RACQ

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RACQ (Royal Automobile Club of Queensland) is a member-owned motoring organization providing roadside assistance, vehicle and travel services, insurance, banking, and related products, including international driving permits, primarily for motorists in Queensland, Australia.

Eight Mile Plains, Brisbane, Queensland, Australia
racq.com.au

About RACQ

RACQ (Royal Automobile Club of Queensland) is a member‑owned motoring and services organisation based in Eight Mile Plains, Brisbane, Queensland, Australia. It primarily serves Queensland motorists with roadside assistance, insurance (car, home, contents, roadside, and more), banking products, travel services, and international driving permits. As a mutual organisation, RACQ is owned by its members rather than shareholders, and membership benefits can include discounts, member rewards, and access to various motoring and lifestyle services. Most interactions and account management can be done via racq.com.au or through the RACQ app.

A charge from RACQ may appear on your bank or card statement for several reasons. Common examples include annual or monthly payments for roadside assistance membership, vehicle or home insurance premiums, RACQ Bank loan or credit card repayments, international driving permit fees, or travel bookings made through RACQ Travel. You may also see recurring billing for policies set to auto‑renew, instalment plans for insurance premiums, or pro‑rated charges and credits when you change cover. In some cases you may briefly see an authorisation hold or pending transaction when you update your payment details or purchase a new policy online; these typically drop off once the actual payment is processed.

To verify or resolve questions about an RACQ charge, first log in to your RACQ account at racq.com.au or check the RACQ app to review your active memberships, insurance policies, banking products, and recent payments. Compare the transaction date and amount with your renewal notices, policy schedules, or email receipts from RACQ. If you still can’t identify the charge, contact RACQ directly using the phone number on your policy or membership card, or via the contact details at racq.com.au/contact-us; have the exact amount, date, and the statement description ready. For suspected errors, double billing, or cancellation issues, RACQ can usually review the transaction, adjust your policy if needed, and process refunds where eligible under their product and refund policies.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to RACQ.

  1. RACQ Eight Mile P AU
  2. RACQ DRIVING PERMIT EIGHT MILE PL AUS

Frequently Asked Questions

Why am I seeing a recurring RACQ charge on my bank statement each month or year?

RACQ commonly bills recurring payments for roadside assistance memberships and insurance policies that are set to auto‑renew or be paid by instalments. Depending on what you chose when you signed up, you may be billed annually, monthly, fortnightly, or weekly. Check your RACQ online account or your latest policy schedule or membership renewal notice to confirm your chosen payment frequency and amount. If you prefer to change from instalments to annual payment (or vice versa), you can usually do this by contacting RACQ or updating your payment preferences online.

What are typical amounts I might be charged by RACQ for memberships or insurance?

RACQ membership and insurance costs vary based on product type, cover level, location, and vehicle or property details, so amounts can range from relatively low monthly instalments to larger annual premiums. Roadside assistance plans are generally billed as a flat membership fee, while insurance premiums reflect your individual risk profile and chosen cover. To see your exact pricing, log into racq.com.au and view your ‘My RACQ’ dashboard or check your emailed renewal notices and invoices. If an amount on your statement doesn’t match any of these, contact RACQ to verify the charge.

How do I cancel or change my RACQ roadside assistance or membership to stop future charges?

To cancel or downgrade RACQ roadside assistance or membership, you generally need to contact RACQ directly before your next renewal date. You can call the number listed on your membership card or visit racq.com.au and navigate to the ‘Contact us’ page for current phone and online contact options. Some membership details and renewals can be managed via your online account, but cancellations and refunds may require speaking with a consultant. Be aware that once a new membership period has started, refunds may be limited and are subject to RACQ’s membership terms and conditions.

How can I request a refund or dispute an RACQ charge I believe is incorrect?

If you think an RACQ charge is incorrect, gather your bank statement, any RACQ emails or policy documents, and then contact RACQ support as soon as possible. For insurance or membership charges, reach out using the phone number on your renewal notice or via racq.com.au/contact-us so they can review the specific transaction. RACQ will usually check your policy or membership history, confirm whether the payment relates to a renewal, policy change, or fee, and advise if you’re eligible for a refund under their product and refund policies. If a billing error is confirmed, they can arrange a reversal or credit to your nominated account or card.

Why do I see a small or temporary ‘RACQ’ authorisation or pending charge on my card?

A small or temporary pending charge from RACQ can occur when you add or update a card for instalment payments, purchase a product online, or request a quote that requires verification of your payment method. This is usually an authorisation hold to confirm that your card is valid and has available funds. These holds do not represent a final charge and should disappear from your pending transactions within a few business days, being replaced (if applicable) by the actual premium or membership payment. If a temporary hold does not automatically drop off, contact your bank and, if needed, RACQ to confirm the transaction status.

Why did I get charged by RACQ after I thought I cancelled my insurance or membership?

If you see a new RACQ charge after requesting cancellation, it may be because the cancellation took effect after a renewal date or after an instalment was already processed. RACQ typically charges premiums or membership fees for the upcoming period, so timing is important. Check the effective cancellation date noted in your confirmation email or policy documents and compare it with the transaction date. If the dates don’t align or you believe you were charged in error, contact RACQ with your cancellation confirmation so they can review and, if appropriate, adjust or refund the payment.

How can I confirm which RACQ product (insurance, roadside, banking, or travel) a particular charge relates to?

Look closely at the transaction description on your statement; it may say ‘RACQ’, ‘RACQ INSURANCE’, ‘RACQ MEMBERSHIP’, or similar wording that hints at the product type. Then log into your RACQ account or check the RACQ app to review all active policies, memberships, banking products, and recent transactions. Match the date and amount on your statement with any renewal notices, direct debit schedules, or receipts in your RACQ documents or emails. If you still can’t associate the charge with a specific product, contact RACQ and provide them the exact amount, date, and statement reference so they can trace it for you.

How do I contact RACQ about a mystery charge or update my payment details?

To query a charge or update payment details, start by visiting racq.com.au and signing in to your account, where you can view and sometimes change your billing information. For direct assistance, use the contact numbers and live chat links listed at racq.com.au/contact-us; there are separate lines for insurance, roadside assistance, and banking. When you call or chat, have your member number, policy number (if applicable), and the exact transaction amount and date handy to speed up the investigation. RACQ staff can help identify the charge, adjust payment methods, and guide you through any refunds or changes needed.

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